 Retirement Issues and Perspectives
Retirement security is one of the most critical financial issues in America for individuals and the investment professionals and institutions that support them. As part of its commitment to helping Americans along the path to a secure retirement, Prudential publishes papers, reports, articles, and other materials on retirement issues and solutions, which are available on this site.
Prudential has developed the "Four Pillars of U.S. Retirement" as a framework to discuss how Americans will prepare for and live in retirement. We define the Four Pillars as Social Security, Employment-Based Plans, Personal Savings, and Retirement Choices. Read more about the Four Pillars. If you would like to automatically receive retirement-related or other news from Prudential, sign up for our news service. |
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 Retirement Reports & Articles by Prudential>
Strengthening Target-Date Funds with Guarantees to Enhance Retirement Security
This white paper explores combining target-date funds with guarantees to provide defined contribution plan participants with a more secure retirement. >
The Modern Annuity
This article describes the new generation of annuities, with guaranteed lifetime income benefits, and the role they can play in retirement income planning. >
The Fourth Pillar: Retirement Choices
An overview of lifestyle and financial choices that are taking on greater significance given the changing nature of retirement in America. >
Turbulent Markets: Challenges and Opportunities for the Institutional Investor
This white paper discusses the key drivers of the current financial crisis and implications for institutional investors such as defined benefit plan sponsors. >
Guaranteed Lifetime Income Solutions
The Pension Protection Act of 2006 significantly strengthened the savings aspect of retirement planning by supporting the use of certain automatic DC plan features. However, more needs to be done to help individuals generate a guaranteed retirement income from their DC plan accumulations. This article suggests ways that Congress can help. >
The Four Pillars of U.S. Retirement
Prudential has developed the Four Pillars as a framework to discuss how Americans will prepare for, and live in, retirement. Retirement Income
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Retirement Income: The Value of Guarantees
Compares two product approaches to creating retirement income within a 401(k) plan—guaranteed withdrawal benefit solutions offered by the new generation of annuities, and systematic withdrawal programs from target maturity date mutual funds. Supporting research and analysis by Ernst & Young. >
Retirement Security in the 21st Century:
Guaranteed Lifetime Income A discussion of the growing need for guaranteed retirement income, as well as a promising solution. > How Congress and Regulators Can Help A discussion of the ways in which Congress and Regulators can encourage Americans to create guaranteed retirement income. >
Defined Contribution Plans: 12 Practical Recommendations to Help Encourage Better Outcomes
Outlines best practices that Prudential considers to be essential building blocks for helping participants achieve retirement security. Four Pillars of U.S. Retirement
Retirement Preparedness
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Hispanic Americans On the Road to Retirement
A report on Hispanic Americans' attitudes and behaviors regarding retirement savings and expectations. >
The Future of Retirement in the U.S.
A high-level overview of the changing landscape of retirement in the U.S. >
Behavioral Risk in the Retirement Red Zone
Explores the link between emotions and financial decision-making. >
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Learning the Two-Step: A New Approach to Asset Allocation for the Retiree
The limitations of current retirement planning approaches, fresh insights into income planning, and the role certain products might play. Public Policy
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The Four Pillars and Public Policy
Prudential has also developed positions on legislative issues impacting retirement security in America. Employment-Based Plans
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Saving for Retirement at Work: Employee and Business Reactions to an Automatic IRA Concept
Gauges early reactions to an Automatic IRA concept and its features from employers and employees of small businesses that don't have workplace retirement plans. >
Corporate Defined Benefit Plans at a Crossroads
Discusses factors contributing to the increase in plan terminations and benefit freezes, as well as implications for investment management, corporate policy, and defined contribution and defined benefit plan design. Prudential's Participation in the U.S. Retirement Market
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Smart Steps for Today's Retirement Challenges
A guide to help individuals along the path to retirement. >
Our Commitment to the U.S. Retirement Market
Facts-at-a-glance about Prudential's participation in the retirement marketplace. International Perspectives on Retirement
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Common Themes in Global Retirement: New Realities, Shifting Responsibilities
In the U.S., Korea, and Taiwan, pre-retirees share similar challenges and concerns. >
Retirement in South Korea: Expanding Investment Options
South Koreans are committed to saving, but seek to expand their retirement investment options. >
Retirement in Taiwan: Learning to Take Control
Consumers in Taiwan question their investment strategies as they seek to take control of their retirement planning. >
China's Long March to Retirement Reform
China's aging population could usher in an era of slower economic growth and social stress. This report evaluates China's recent progress in dealing with its aging population and offers a comprehensive new reform plan. 0152532-00002-00 |
For information, tips, and expert
advice on retirement issues, listen to Conversations About Retirement Retirement at a Glance
- Hispanic Americans On the Road to Retirement, 2008
- 2008-2009 Study on the Financial Experience & Behaviors Among Women
- Retirement Income: The Value of Guarantees, 2008
- The Fourth Pillar: Retirement Choices, 2008
- Behavioral Risk in The Retirement Red Zone®, 2007
- Roadblocks to Retirement, 2005
- Roadblocks to Retirement, 2005
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